Building Coverage
Up to $250,000 for a single-family home — paid at replacement cost only if it's your primary residence insured to at least 80% of replacement cost. Otherwise, depreciation comes off.
Florida flood insurance claims, filed by the federal rulebook
Rising water plays by different rules. A flood insurance claim in Florida runs on a separate policy — usually federal — with a 60-day proof-of-loss clock and strict documentation demands. Armada's licensed public adjusters build flood claims that hold up the first time.
01
Separate Policy
Rising water isn't a homeowners claim
Your homeowners policy draws a hard line at the ground. Water that rises — storm surge, overflowing rivers and canals, sheet flow across saturated yards — is excluded, and it belongs to a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood carrier.
That split decides everything: which adjuster shows up, which forms are mandatory, and which deadline can quietly kill your payout. If a burst pipe or roof leak soaked your home instead, that's a homeowners fight — see our water damage claim guide. If the water came up from outside, this page is your playbook.
02
After the Hurricane
Surge vs. wind: the blame game that shrinks payouts
When a hurricane pushes the Gulf into living rooms — something coastal Pasco communities like New Port Richey know too well — two policies collide. The wind carrier argues the surge did it. The flood carrier argues the wind did it. Every dollar pushed across that line is a dollar somebody doesn't pay you.
Armada documents the causation line room by room — water marks, debris lines, wind openings, the timing of each — and presents every insurer with damage it can't hand off. If wind tore in before the water rose, your hurricane damage claim deserves its full share too.
Deadlines that bite
Sixty days. Signed. Supported. Submitted.
An NFIP flood insurance claim doesn't run on the deadlines Florida homeowners know — it runs on federal rules that courts enforce to the letter.
60 days to submit proof of loss
The NFIP requires a signed, sworn proof of loss — with documentation supporting every number — within 60 days of the date of loss.
FEMA sometimes extends — never assume
After major disasters FEMA has extended the proof-of-loss window, but only by formal memo. Until it does, 60 days is the law of your claim.
60 days to appeal a denial
A written appeal with supporting evidence must reach FEMA within 60 calendar days of the date on your denial letter.
One year to file suit
If the insurer denies all or part of the claim, a lawsuit must be filed within one year of that first denial, in the federal district court where the property sits.
Miss the paperwork, lose the payout.
Federal courts have enforced the proof-of-loss deadline even against submissions that were barely late. And if a hurricane caused your flood, the wind side of the calendar is ticking too — our Florida hurricane claim deadlines guide covers it.
Start your flood claim today
Know your coverage
What your flood policy actually pays
NFIP coverage doesn't behave like homeowners insurance — and the differences decide the size of your check.
Contents Coverage
Up to $100,000 — always at actual cash value. Depreciation is deducted from every item, and the NFIP offers no replacement-cost option for contents.
Documentation Standard
Flood adjusters expect a room-by-room inventory, photos of every item and water line, and receipts to back it all up. Thin files get thin checks.
The Gaps
Unlike homeowners insurance, NFIP flood policies generally don't pay temporary living expenses while you rebuild. We map what your policy owes before the carrier defines it for you.
How it works
How Armada handles your flood damage claim
Four steps between the water line and a full, on-time payout.
1
Document Before Cleanup
We photograph water lines, flooring and contents in place — before the tear-out erases the evidence. Based in Spring Hill, serving all 67 Florida counties.
2
Policy & Deadline Review
NFIP or private, we read the policy, calendar the 60-day proof-of-loss clock, and confirm every coverage in play — building and contents.
3
Inventory & Proof of Loss
Room-by-room contents inventory, line-item building estimate, and a signed, fully supported proof of loss submitted on time.
4
Negotiate, Appeal, Escalate
We press for full value, supplement when more damage surfaces, and take wrongful denials into FEMA's appeal process.
Flood claim FAQ
Flood claim questions, answered straight
No. Homeowners policies exclude damage from rising water — storm surge, overflowing rivers
and canals, and sheet flow across the ground. Those losses require a separate flood policy
through the National Flood Insurance Program (NFIP) or a private flood insurer. Wind-driven
rain that enters through a storm-created opening belongs to your homeowners or wind policy,
which is why many hurricane losses involve two claims at once.
An NFIP policyholder must submit a signed, sworn proof of loss — with documentation supporting
the amounts claimed — within 60 days of the date of loss, unless FEMA formally extends the
deadline after a major disaster. Federal courts have enforced this deadline strictly, so treat
60 days as hard law and get the paperwork right the first time.
NFIP building coverage tops out at $250,000 for a single-family home and contents coverage at
$100,000. Contents are always paid at actual cash value, meaning depreciation is deducted.
Buildings are paid at replacement cost only when the home is your primary residence and insured to at least 80% of its replacement cost (or to the maximum amount available under the NFIP) — otherwise the building payment is depreciated too.
Yes. For NFIP claims, you can appeal in writing directly to FEMA within 60 calendar days of the
date on the denial letter, at no cost, with evidence supporting your position. If the dispute
isn't resolved, a lawsuit must be filed within one year of the first denial. Armada builds the
documentation an appeal needs — and presents the claim correctly up front so it rarely comes to that.
Related claims
Floods rarely travel alone
Hurricane & Wind Damage
Wind tore the opening; the surge followed. The wind side of your storm loss deserves its own fight.
Hurricane claim guideWater & Plumbing Leaks
Burst pipes and hidden leaks are homeowners claims — with carrier games all their own.
Water damage guideMold Damage
Floodwater plus Florida humidity breeds mold within days. Connect it to its cause before the carrier disowns it.
Mold claim guideThe water rose. Your claim shouldn't sink.
One free inspection tells you what your flood insurance claim is really worth — and which deadline you're standing on.
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